Affordable Short Term Health Insurance in Ohio

One Source Benefits, a reliable partner in your quest for health coverage, can help you find affordable short-term health insurance in Ohio. We offer you choices from leading carriers operating in the Buckeye State such as Anthem Blue Cross Blue Shield, Medical Mutual of Ohio, United Health One (also know as Golden Rule) and United Healthcare, Humana and Assurant.

A short-term health insurance plan is a temporary alternative to traditional individual medical insurance coverage and can help tide over special circumstances. They are formulated to help people who have a temporary health insurance need. Short-term plans are ideal if you are:

• Between jobs
• Waiting for employer coverage
• Just graduated from school
• Not under or recently removed your parent’s plan
• A foreigner living temporarily in the U.S. (with a U.S address)

The coverage period could range from one month to as long 11 months.

One of the best features of short term insurance available in Ohio is that a policy can have an effective date of coverage usually the day a policy is post-marked or even submitted electronically through an agent. This means coverage starts almost right away.

Short-term plans are also different from traditional individual health insurance policies in many ways:

• Limited underwriting: They have only a few underwriting questions such as whether you have had or have conditions such as heart condition, diabetes, acquired immune disease or whether you are currently pregnant.
• Coverage limits: The expenses for either the treatment or cost of medication for pre-existing conditions will mostly likely not be covered. Under the new law, these plans will not include any preventative benefits such as a physical or immunizations. Doctor’s office visits, hospital charges, and emergency care are usually covered. Prescription drugs are covered for an accident or illness that occurs during the plan period.
• Non-renewable: Short term medical insurance cannot be renewed. You would have to apply afresh when your plan expires.

Choose the Right Ohio Short-term Health Plan

Short-term plans from each carrier offer a different set of benefits. Most Ohio carriers offer a wide variety of short-term policies. One Source Benefits can help you review the various options and decide which policy is ideal for you. Call us 1- 877- 549- 1212 today for an affordable solution to your short-term health insurance needs.

Each insurance carrier has some unique features to their plans, as we will highlight some of them for you.

Medical Mutual of Ohio is probably one of the most complete short-term plans available that most closely resembles traditional health insurance. These plans unique feature is the completeness of coverage along with co-pays for doctor visits not found in most other short term plans. The plans tend to be a little more expensive but do offer the co-pay feature. Many people prefer to have there office visits paid for with a co-pay versus meeting a deductible first, especially since most of the deductibles are generally $1000 or more. Although Medical Mutual has one of the largest network of providers in Ohio, outside of Ohio the network is very limited.

United Health One is also know as Golden Rule and United Healthcare. This is an excellent carrier with an extensive network of providers both in and out of Ohio. United Health One offers a choice of short term plans called value plans and plus plans. Each has different features but as the name implies the value plan has less benefits and lower premiums. See the chart above for some samples.

Assurant Health is probably one of the easiest carriers to qualify for in Ohio. The underwriting questions are very limited and coverage can be effective the same day if needed. Premiums with Assurant are also very competitive. Assurant is one of the leaders nationwide with these types of policies.

Humana is also known as a leader in short term policies nationwide. Humana has a wide variety of plans available. Humana also offers the convenience of anyone having access to an extensive network of providers in multiple states. In Ohio, Humana's network is stronger in some geographic markets such as Cincinnati and Dayton. The application process is quick and simple.

Anthem Blue Cross Blue Shield is the recognized leader in Health Insurance not only in Ohio but throughout the country. There are several advantages to closely looking at Anthem Blue Cross Blue Shield as your health insurance carrier. The one most important factor beyond there very competitive rates is the fact that you can see any Blue Cross Blue Shield Doctor or Hospital in any state.